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BUDGETS & DEBTS |
| Debt Advice
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| Debt Advice for Students
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| Federal Budget
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| Government Debt
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| National Debt Facts
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| U.S. Public Debt
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IRA & RETIREMENT
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If your company does not offer a
401(k) match, you can choose between your company's
401(k) and an
IRA based on which has better investment choices and lower fees.
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If you contribute $5,000 to an
IRA every year beginning at age 25, you could potentially accumulate $1.6 million by age 70 - Assume an annual rate of return of 7%.
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Employees ages 50 and older are eligible to contribute up to $22,000 to their traditional tax-deferred 401(k) in 2009, $5,500 more than younger workers.
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Do not put 100% of your retirement savings into
CDs, it will guarantee failure.
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You need to have 40 credits, or 10 years of work paying Social Security taxes, to qualify for any type of Social Security benefit.
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The earliest age at which you can begin getting
Social Security retirement benefitsis 62 for women and 65 for men. However, the full retirement age is 66 if you were born between 1943 and 1954;
66+ if you were born between 1955 and 1959; and 67 if you were born in 1960 or later. You will receive a reduced benefit if you elect benefits prior to your full retirement age.
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As of 8/2012 the Social Security tax, which is applied to the first $110,100 of a worker's wages, is 12.4%, of which workers pay half and their employers pay the other half.
The Social Security tax rate for workers was reduced to 4.2 % since 2011, and this tax rate will be returned to 6.2% in January 2013.
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As of August 2012, monthly Social Security benefits average $1,235 for retired workers. Around 56 million people now collect Social Security benefits, and it is projected that this number will grow to about 91 million in 2035.
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A nonworking spouse can receive up to 50% of a retired worker's full benefit.
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The U.S. government estimates the Social Security trust fund will run dry in 2033.
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WORLD GPD |
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World GPD per Capita
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Country GPD per Capita
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Gap Between Rich and Poor
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G7 Information Center
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FINANCIAL RESOURCES |
| Banking Resources
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| Bankruptcy
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| 401(K)
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| Banking & Financial Guide
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| History of Banking
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| Better Business Bureau
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| Before You Said "I Do"
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| CD Rates
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| Consumer Advice
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| Cost of Living in the U.S.
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| Dollars
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| Financial Planning
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| Finance Advice - AFAJOF
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| Personal Finance Advice
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| Finance Advice - Bank Rate
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| Finance Advice - Forbes
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| Finance Advice - Yahoo
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| Financial Articles
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| Financial College
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| Financial College Resources
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Financial Guide - BBC
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| Financial Guide
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| Finance Guide - Yahoo
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| History of Money
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| How to Save Money
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| Money Guide - CNN
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| Money Advisor - Fool
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| Money Guide
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| Money Management Tips
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| Money Management for Beginner
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| Prudent Minds
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| Smart Money
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| Consumer Protection
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RETIREMENT GUIDE |
| Financial Retirement Advice
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| Financial Retirement Guide
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| IRA Advice
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| IRA Guide
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| Retirement Finance Guide
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| Retirement Planning
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FINANCIAL TOOLS |
| 401K Calculator
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| Currency Exchange
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| Home Loan Basic
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| Calculators
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| Interest Rates Info |
| Interest Rates Tool
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| Mortgage Advice
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| Planning Tools
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CREDIT REPORTS |
| Free Credit Report
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| Equifax
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| Experian
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| TransUnion
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CREDIT CARDS |
| Advice & Tips
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| Bad Credit Cards.
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| Credit Info Center
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| Credit Care
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| Credit Card Advice
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| Credit
Card Choice & Use |
| Credit Card Crime
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Credit Card Goodies
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| Credit Card Learn
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| Credit Card Protection
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| Credit Card Articles
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| Frauds & Scams - FTC
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| Frauds & Identity Theft
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| Telemarketers
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| Watch Out
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CALCULATORS |
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Credit Card Payoff
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Credit Card Debt
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Balance Transfer
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Minimum Payments
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Federal Income Tax Withholding
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CREDIT SCORES |
| Credit Card Advice
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| Credit Score Models
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| Credit Score Calculator
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| Credit Score
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| Credit Score Repair
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| Credit Risk
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| Equifax (1 800-685-1111
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| Experian (1 866-200-6020)
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| Transunion (1 800-888-4213)
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Annual Credit Report
(1 877-322-8228)
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SAVINGS |
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Money Savings
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| Credit Card Checker
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| Best Rewards Credit Cards
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| Monitor Bank Rates
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TIPS |
| Understanding Online Banking Cyber Crime
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| Helpful Bank Info
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| Loan
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| Is It Safe to Bank Online?
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| Safe Internet Banking
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| Ways to Save Money
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| Finance Management
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FINANCIAL INSTITUTIONS |
| African Development Bank
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| Asian Development Bank
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| Bank for Int'l Settlements
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| Caribbean Development Bank
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| European Bank for R&D
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| Federal Deposit Ins. Corp.
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| Inter-American Development
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| International Financial Corp.
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| International Monetary Fund
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| Islamic Development Bank
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| The World Bank
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COINS & BANKNOTES |
| American Currency Exhibit
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| Banknotes Collection
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| Coin Collection
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| Coins: 50 State Quarters
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| Coin Collection Guide
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| Coin Price Guide
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| Coin Collecting Guides
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| Coin Price Guide & Values
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CALCULATORS |
| Alternative Payment
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| Amortizing Loan Calculator
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| Balloon Loan Calculator
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| Credit Line
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| Debt Consolidation Calculator
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| Enhanced Loan Calculator
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| Equity Line of Credit
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| Existing Loan Calculator
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| Line of Credit Payoff
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| Loan & Credit Tax Savings
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| Loan & Line Payment
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Loan Comparison Calculator
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| Loan Prequalification
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